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General Liability. If he or she might sue the bar and the property owner. The general liability policy would provide coverage for these claims and would aid in defending them in court.
Property insurance provides coverage for damage to the property leased by the business owners.
It is important to have Liquor Liability coverages if your business sells or serves any types of alcohol beverages. Personal injury and property damage caused by intoxicated people often result in lawsuits against all parties even remotely connected to alcohol consumed. The cost of legal defense alone can easily run over $100,000. Therefore, it is required by landlords who rent premises to businesses for your own protection.
Yes. Your bar or restaurant can be held liable and sued in the event that a patron you served became intoxicated on your premises and caused damage, including acts of violence or negligence such as drunk driving. If you are sued because of the actions of one of your customers, liquor liability will protect you from the potentially devastating financial loss.
A liquor liability policy will cover attorney’s fees, damages, incidents that occur off premises, coverage for assault and battery, and coverage for specific incidents such as fights, stabbings, shootings, etc.
Assault and battery. It provides coverage for bodily injury and property damage arising from certain violent acts and actions by security staff. Without specifically adding assault and battery insurance, you could find yourself with a costly lawsuit.
S.W.A.N. Insurance is built on a passion for small business
The owner, Chris Mahlberg, grew up with both of his parents operating small businesses. He saw firsthand how important good insurance is when there was a $1,000,000 claim at his Dad’s business that would have bankrupted the business and the family. This dedication to protecting small business owners is woven into the fabric of the company values.
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